Contrary to popular opinion, not every insurance company is out to get you, and it's not every insurance company that will disect the fine-print until they find some way of denying your insurance claim. However, you do need to shop around for the financial products and insurance policies that are the best suited for your individual needs.

That's why insurance policies, and other financial products, from Marks and Spenser are so useful. M&S Finance financial products are, of course, designed to make Marks and Spencers a profit, but there is no denying that they are also very good value for money, offering many features as standard which you'd often need to pay extra for at other insurance companies.

Take, for example, Buildings Insurance policies. Usually, UK Buildings Insurance policies have limits on particular types of items such as freezer contents, garden furniture and outdoor toys, outbuildings or cars, etc. These restrictions are called inner limits. However, the only inner limits on the M&S Finance Buildings Insurance policy are £500 for cash; £2m for property-owners and personal liability; £10m for domestic employees liability and £40,000 for tenants liability. Even better is the fact that you're likely to pay no more for M&S Finance Buildings Insurance than you will anywhere else, and you may even pay less with M&S.

When you're shopping at Marks and Spencer online store for your summer outfit, or looking for furniture to give your home a makeover, then spend a moment to also consider products from M&S Finance. Offering everything from savings accounts and credit cards, to Buildings Insurance and Motor Insurance, there's a lot more going on at MarksandSpencer than you might imagine.

In particular, if you're thinking of travelling soon, then consider Travel Insurance from M&S Finance. With images of volcano ash still fresh in many traveller's minds, it's good to remember there were many travellers who ended up wishing they had spent just a few pounds extra to obtain travel insurance for their trip. Of course, unfortunately, after the event is too late!

In fact, had you purchased travel insurance from M&S Finance, you would have been in good hands; within just a short time of the volcanic ash disruptions, visitors to the M&S Finance website would have seen a message stating that although claims relating to volcanic eruptions are not normally covered by travel insurance, that on this particular occasion, they would "allow claims from UK customers affected by the volcanic ash that has recently grounded flights."

M&S Finance Insurance: There are, quite literally, hundreds of companies in the UK from whom you can purchase insurance. Whether you're looking for the best deal on Motor Insurance, buildings and contents insurance, or even wedding insurance, it doesn't take long to find a company that will sell you a policy.

However, not all insurance companies, and certainly not all insurance policies, are the same. What may be standard on one insurance policy may be an optional extra on another, for instance; Motor Insurance and Buildings Insurance are especially like this.

For example, most home and contents insurance policies either ask you to provide the total cost of rebuilding your home plus the total value of your home contents, or they will set an upper limit. This may seem fine at the time, but, in the event of a claim on your Buildings Insurance policy, the values act as maximum limits, and so you may, in effect, be under-insured and not receive the full value of your insurance claim.

Fortunately, M&S Finance Insurance does not have these insurance limits, excepting liability and cash cover, and therefore you can not be under-insured.

Miele Cat & Dog TT5000 Cylinder Vacuum Cleaner, at M&S
2200 watts 4.5 litre dust bag capacity 10 metre operating radius Smooth running 360 swivel castors. Castors mounted on steel axles to ensure excellent maneouvrability 6 variable power settings - 300-2200W Turbobrush STB 205-3 - Perfect for picking up pet hair from carpets Supplied with a Active Air Clean filter, combines the super Air clean filter with an active charcoal cassette to absorb odours. Ideal for pets owners HEPA 12 certification for complete vacuum cleaner - According to the European Standard EN 1822. Discharged Air is cleaner than the ambient room air (when used with HEPA filter) Bumper strip to protect vacuum cleaner and your furniture Mini Turbobrush STB 101 - Ideal for vacuuming stairs and removing pet hair from upholstery Vacuum motor features thermal safety cut-out and electronic gentle motor start-up Dust bag change indicator - Signals when the dustbag needs to be replaced Comes with 2 HyClean dustbags - The new HyClean dustbag sets new standards in filtration, dust-absorption, hygiene and safety Six Step Rotary Dial - To adjust the suction power for different floorings Silence setting - Ideal combination of low noise level and cleaning performance Recommended for Loop Pile carpet, Deep Cut Pile carpet and furniture Dimensions: L45cm Weight: 7.7kg M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Multiway Animal Print Push-Up Bra, at M&S
This versatile bra can be worn 5 ways: conventionally, halterneck, cross back, strapless and one shoulder. Designed for a comfortable flattering fit, secure support and great flexibility

3 Pairs of Collezione Diamond Socks, at Marks & Spencer
Exclusively designed for M&S, these smart socks are inspired by Italy and feature a luxury cotton weave for the ultimate in style and sophistication

Limited Collection Crepe Zip Dress, at Marks & Spensers
Part of Limited Collection's London Crowd trend. A quintessentially English look featuring quirky prints in monochrome with bright pops of colour. Kitsch styling and playful designs give this trend a fun London feel

Per Una Multi Weave Scarf with Wool, at Marks and Spencer
Keep out the chills in fashionable style with this warm soft weave scarf in a modern chunky cable multicoloured knit.

Helenka Lace Vest, at Marks & Spencers
Feel oh-so-pretty from the inside out. Lace is everywhere this season, so why not wear it next to your skin?

Per Una 3/4 Sleeve Beaded Neckline Cardigan, at Mark & Spensers
An elegant 3/4 sleeve cardigan featuring a beaded neckline and assorted button fastening

Formula Skincare For Men 24 Hour Moisturiser, at Mark's & Spencer
50ml

Chalk & Cheese Characters Multipack of Mini Cards, at Marks & Spensers
Cover text: Design 1: Surprise, Design 2: Thanks, Design 3: For you, Design 4: Thank you Inside message: blank for your own message This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Pack contains: 8 cards, 4 designs Approx size: 95 x 80mm

Large August Bouquet, at MarksandSpencer
Historically a symbol of love, this assortment of larkspur in shades of lilac, cream and pink also contains deep purple lisianthus, sandriana and delicately pretty roses. Includes 50% more blooms than the standard August bouquet Available for delivery from 1st to 29th August 2009

Sony Bravia 40'' KDL-40E4000 HD Ready Picture Frame LCD TV, at Marks and Spencers
HD Ready 1080p: Displays images in Full HD 1080p, the maximum resolution defined for HDTV use, when connected to an HD compatible device Display: 40 inch LCD with 6.2 megapixel resolution Contrast Ratio: Dynamic contrest 33,000:1 Integrated Digital & Cable Tuner: Provides access to all Freeview™ terrestrial digital channels and radio stations (subject to coverage in your area) Dimensions: W100.6 x 69.5 x 28.3cm (with stand), 100.6 x 64.5 x 11.4cm (without stand Weight: 22kg (with stand), 19kg (without stand) Surround Sound Effect: BBE ViVA high quality sound and built-in Virtual Dolby creating the effect of full surround sound from only 2 front speakers Connectors: 3 x HDMI, 2 x scart (RGB), 1 x component, PC Input (15pin D-Sub) + Audio In, PCMCIA Card Slot, Digital Audio Output (optical), 3.5mm MiniJack (Head/Earphone), RCA Audio Out, USB 2.0 Input, Composite RCA AV Input, RF In (HDMI and Scart cables sold separately) BRAVIA Engine 2: Experience incredibly clear and defined images with BRAVIA ENGINE 2 picture enhancement technology and Advanced Contrast Enhancer Live Colour Creation with x.v.Colour: Uses a larger colour palette to produce vibrant colour like nature intended it to be seen 24p True Cinema: Shows films at 24 frames per second just like a real cinema Xross Media Bar: A new Sony interface that's easier to operate Picture Frame Mode: When you are not watching TV, display one of the 6 pre-installed masterpieces or show one of your own photos uploaded via the USB input BRAVIA Theatre Sync: Synchronises your Sony theatre system so it can be operated by the press of a single button M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information Please Note: Freeview™ is not yet available to the whole of the UK. We advise that you check that your postcode area can receive the Freeview signal before ordering this product Please Note: To receive the full range of Freeview™ channels, customers should use an outdoor wide band aerial. Suitable portable TV aerials can be used to receive Freeview but the quality of the reception is dependent on the quality of the product and the signal area. Due to these factors you may not receive all Freeview channels when using an indoor aerial Use wall mount T042104 to perfectly mount this TV This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Bonded Leather Collection - CD Tower, at Marks and Spencer
Holds approximately 70 CDs H92.5 x W23 x D23cm, Manufacturer: Marks & Spencer

Pure Cotton Moleskin Jacket, at Marks & Spencer
Practical and fashionable, this mid length jacket is made from easycare cotton. Its contemporary styling will keep you looking sleek and chic season after season

Portfolio Rustic Stretch Bracelet, at Marks and Spenser
Stretch style Mixed bead design Rustic finish

Tulsa Large 2-Seater Sofa, at Marks & Spencers
H96 x W223 x D98cm Seat H50cm (all dimensions are approximate) Seat cushions filled with Quallofil ExtraLife filling, an advanced 3-dimensional polyester fibre that maintains the cushions' look and shape. Click here to Find out more Other cushions filled with polyester fibre. Gives a soft sit with a lived-in look, which will soften and relax even further with use. Fibre is sewn into channels within the interior to prevent settlement in one area of the cushion Frame made from solid hardwood. All main joints are glued and screwed to give the frame strength Frames are rigorously tested with 95kg weight equivalent and exceed standards set for heavy domestic use Solid birch feet with a dark finish Includes 2 free matching scatter cushions All of our fabrics are treated with Stain-Defence& trade; - a stain resistant finish - at no extra cost. Fabrics are tested for resistance to wear and fading Detailed care instructions are included Free eco-friendly home delivery. Our crews will unpack, assemble and position the item This product is not available for international delivery. Find out more Free swatch service: Order up to 6 free swatch samples of any fabric to help you choose your upholstery by calling 08457 624 624 Please note: Images displayed here act as a guide and may not be representative of the finished item. Fabrics are overlayed onto model images, so actual seams and pattern match may differ from what is shown. Leather furniture, in particular, has more seams than fabric upholstery due to the nature of the material, Manufacturer: Marks & Spencer

Pure Cotton Long Sleeve Stripe Top, at M&S
Fun and fashionable, this pure cotton stripe top is outstanding value!

Younger Girls' Dora the Explorer Sunglasses, at Marks and Spencer
Fun and fashionable, these Dora the Explorer sunglasses give 100% UV protection for safer style in the sun

Collezione Zip Luxury Wash Bag, at Marks and Spenser
Take the hassle out of transporting your toiletries with the zip fastening design of this travel essential

Pure Cotton Floral Printed Lightweight Scarf, at Marks & Spencers
This sophisticated floral print scarf is the perfect accessory to this season's fashions

Triple Bead Drop Earrings, at Mark & Spensers
Hook fastening Drop style Triple bead design For hygiene reasons, refunds will only be given in accordance with your legal rights

Pretty Floral Cushion With Recycled Filling, at Marks and Spenser
Jacquard cushion Square shape Floral and leaf design Size: 50cm x 50cm, Manufacturer: Marks & Spencer

Generic Star Charm 50th Birthday Card, at Marks and Spencer
Cover text: 50 today Inside message: Have a fantastic birthday! This card is made with material from FSC certified sustainable forests. Protecting the world's forests for the future Approx size: 178 x 125 mm

Villagio Negroamaro Puglia 2008 - Case of 12, at Mark & Spencers
Style: Full-bodied Grape variety: 50% Catarratto and 50% Inzolia Country of origin: Italy Alcohol by volume: 13% vol. Alcohol units per bottle: 9.8 Alcohol units per 125ml: 1.6 Contains sulphites You must be 18 or over to purchase this product This product is not available for international delivery. Find out more

Pure Cotton Non-Iron Plain Table Cloth, at Marks&Spencer
Plain design 177 x 274cm, Manufacturer: Marks & Spencer

Large Spot Tights, at Mark & Spensers
Add a stylish touch of chic with these head-turning large spot print tights

Dualit Dome Kettle - Cream, at Mark's & Spencer
3000 watt rapid boil concealed element 1.7 litre capacity Water level viewing window High quality 18:8 grade stainless steel body Laser cut stainless steel water filter Boil dry safety feature Heatproof handle, knob and finger-guard Ergonomic handle for easy pouring Non-drip spout Cordless operation with axis rotary base and cord tidy Dimensions: H25cm M&S is a member of the WEEE Distributor Take Back Scheme. Recycling your electronic waste has never been easier! Click here for more information This product is not available for international delivery. Find out more , Manufacturer: Marks & Spencer

Limited Collection Pointed T-Bar Shoes, at Marks & Spencer
Pointed toe T-bar Buckle fastening Animal print Flat sole Comes in sizes 3-8, including half sizes

Cotton Rich Long Sleeve Hooded Top, at Marks and Spencers
Soft and comfy, this fashionable hooded top is outstanding value. A practical easycare style

Rotating Spice Rack, at Mark & Spencers
Set of 12 Wooden rack Triangular design Dimensions: H26cm, Manufacturer: Marks & Spencer

Enamel Butterfly Jewellery Holder, at Marks n Spencer
Enamel butterfly design Multiple hooks

Mark & Spencers may not necessarily be the first name that springs to mind when you're thinking about renewing your Buildings Insurance or Motor Insurance, but Marks & Spencers do indeed offer a comprehensive selection of financial products, all of which are competitively priced, and all of which you can purchase directly from the M&S Finance website. With a simple, no-hassle service, you can compare features between a number of M&S Financial Services products and competitor's products, and sign up in just a few minutes.

Whether you're looking for savings products or M&S Finance loans, credit cards or Buildings Insurance - besides a number of other insurance products, M&S Finance can save you both time and money, with comprehensive information available at a click.

Free insurance quotes are available online for all of M&S Finance insurance products (Buildings Insurance, Motor Insurance, Travel Insurance, Wedding Insurance and Pet Insurance), or you may call if you wish to on the telephone number provided. Suffice to say that there is also plenty of information which you can download for each of the Marks and Spenser insurance products in document format too.